What are the ATM withdrawal limits for USAA Bank?

The typical daily withdrawal limit is $600, though it can vary based on account type.

Does USAA charge fees for using out-of-network ATMs?

USAA does not charge its own fee but will reimburse up to $10 monthly for third-party ATM owner fees.

How can I avoid ATM fees with USAA?

Stick to in-network ATMs, use cashback at retailers, and withdraw less frequently to avoid fees.

Are international ATM fees different from domestic fees?

Yes, international withdrawals incur a 1% foreign transaction fee, plus any additional charges from the ATM owner.

How do I find a USAA ATM?

Use the USAA ATM Locator to find the nearest surcharge-free ATM.

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USAA Bank ATM Fees: What You Need to Know

March 11, 2025

5 min Read

Written by Dawn Allcot

Edited by Joe Evans

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If you’re a USAA Bank member, understanding how ATM fees work can help you save money and avoid unexpected charges. While USAA offers one of the most extensive surcharge-free ATM networks in the U.S., there are still scenarios where fees can apply.

This guide breaks down the latest USAA Bank ATM fees, how to avoid them, and how they compare to other banks.

Current USAA Bank ATM Fees and Policies

In-Network ATM Withdrawals

Fee: $0
Details: USAA Bank members can withdraw cash for free at any USAA-owned or preferred network ATMs within the U.S.

Out-of-Network ATM Withdrawals

USAA Fee: $0
ATM Owner Fee: Varies by ATM owner
Reimbursement: USAA refunds up to $10 in ATM surcharge fees per month for checking account holders.

International ATM Withdrawals

Foreign Transaction Fee: 1% of the transaction amount
ATM Owner Fee: Additional fees may apply, depending on the ATM provider overseas.

Balance Inquiry Fees

In-Network ATMs: Free
Out-of-Network ATMs: Fees may be charged by the ATM owner.

Declined Transaction Fees

Fee: May be assessed by the ATM owner but not by USAA.

ATM Fee Reimbursement

Reimbursement Limit: Up to $10 per month for checking account holders.
Eligible Accounts: Standard checking accounts qualify for reimbursements. Confirm with USAA for premium account eligibility.

USAA ATM Fees Summary Table

Fee Type	Fee Amount	Reimbursement Eligibility
In-Network ATM Withdrawal	$0	N/A
Out-of-Network ATM Withdrawal	$0 (ATM owner may charge)	Up to $10/month
International ATM Withdrawal	1% of the transaction amount	No
Balance Inquiry (Out-of-Network)	Varies by ATM owner	No
Declined Transaction Fee	Varies by ATM owner	No

How to Avoid USAA Bank ATM Fees

While USAA is generous with ATM reimbursements, here are a few ways to maximize savings:

Use In-Network ATMs: Stick to USAA-owned or preferred network ATMs to avoid fees altogether.
Know Your Reimbursement Limits: Take advantage of the $10 monthly reimbursement for out-of-network ATM fees.
Withdraw Larger Amounts Less Frequently: Minimize ATM visits to reduce the potential for multiple out-of-network fees.
Opt for Cashback: Use the cashback option at retail stores instead of an ATM.
Leverage Online Banking: Transfer funds digitally to avoid cash withdrawals when possible.

USAA Bank ATM Fees for International Transactions

Traveling abroad? Here’s what you need to know about international ATM fees:

Foreign Transaction Fee: 1% of the total amount withdrawn.
ATM Owner Fee: Additional fees may be charged by the foreign ATM provider.
Currency Conversion: Exchange rates may apply depending on your location.

Tips to Minimize International ATM Costs

Use Partner ATMs: Check if USAA has global ATM partners to avoid extra fees.
Withdraw Larger Amounts: Minimize the number of transactions to reduce cumulative fees.
Check for Currency Conversion Fees: Some ATMs charge extra for currency exchange.
Notify USAA: Alert USAA of your travel plans to avoid card declines overseas.

USAA Bank ATM Withdrawal Limits

Daily Withdrawal Limit: Generally capped at $600 per day.
Factors That May Affect Limits: Account type, location, and transaction history.
Increasing Limits: Contact USAA directly to request a temporary limit increase for larger withdrawals.

Confirm your withdrawal limits before traveling or making large purchases.

Alternatives to Using USAA Bank ATMs

If you find yourself far from a USAA ATM, here are some options to avoid high fees:

Cashback at Retailers: Use your USAA debit card to get cashback when making a purchase.
Peer-to-Peer Transfers: Send money using apps like Venmo, Zelle or PayPal.
Online Payments: Opt for digital wallets like Apple Pay, Google Pay or PayPal for seamless transactions.
Bank Transfers: Use USAA’s online platform to transfer funds to other accounts.

More About USAA Bank

Final Take to Go

USAA offers competitive policies for ATM usage, including a vast network of surcharge-free ATMs and monthly reimbursements for out-of-network fees. However, understanding the fees associated with international withdrawals and maximizing reimbursement limits can help you save money.

Always confirm your withdrawal limits and locate nearby in-network ATMs using USAA’s online tools to avoid unnecessary fees.

FAQs About USAA Bank ATM Fees

Knowing the nitty gritty details of what to expect in terms of USAA ATM fees is vital to getting things right. Here are some common questions and concerns that might pop up during your banking experience:

What are the ATM withdrawal limits for USAA Bank?
- The typical daily withdrawal limit is $600, though it can vary based on account type.
Does USAA charge fees for using out-of-network ATMs?
- USAA does not charge its own fee but will reimburse up to $10 monthly for third-party ATM owner fees.
How can I avoid ATM fees with USAA?
- Stick to in-network ATMs, use cashback at retailers, and withdraw less frequently to avoid fees.
Are international ATM fees different from domestic fees?
- Yes, international withdrawals incur a 1% foreign transaction fee, plus any additional charges from the ATM owner.
How do I find a USAA ATM?
- Use the USAA ATM Locator to find the nearest surcharge-free ATM.

Information is accurate as of March 11, 2025.

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